they're working to develop a banking union where banking regulation would be done throughout the euro zone by the ec be or some other agency -- ecb or other agency. that would make the european banking system less dependent on other countries. steps are being taken that i hope will help stabilize that situation. in the emerging markets, you have a variety of different stories. the fundamentals in the emerging markets are pretty good. even if there is moderation of growth in some countries, we are seeing overall a remarkable transformation of places like china and india, which has been the biggest anti-poverty program in history. the growth in those countries has lifted many millions of people out of poverty. the growth will proceed in those areas as well. with each country, each region -- latin america, asia, dealing with different sets of issues. >> i know the our audience has many questions to pose to you. given all of the range of things that we have already discussed, are there 1 or two particular things and keep you up at night? >[laughter] >> we have a dog that is big that sleep